Net54 BST is not unique to this conundrum of when a card is ACTUALLY owned by a buyer.
With eBay, you can have a discussion with seller, agree to a price, click buy now thus indicating willingness to pay, and the card sits in a virtual shopping cart until payment is made and clears the the bank, thus binding the agreement between seller and buyer. Until then, other buyers can swoop in despite the card being ‘In your Cart’, make payment, and when payment clears, the card disappears from your cart, with the rightful owner being the one who’s payment cleared first.
Lesson here? Assume all positive intent, but see the process through until the very end when the payment clears the bank so to speak. Unless of course you’ve done business together in the past and have established trust and/or process.
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